Important change to Online Banking for F&M Ready Reserve Customers

Please be advised that the available balance for checking accounts, as displayed on both Online Banking and Mobile Banking, will no longer include the available credit on your ready reserve line of credit. If you have any questions regarding this change, or would like assistance in setting up a balance alert, please contact us. Thank you.

Business Loans

F&M offers a variety of business loans to fit your specific business needs!

Operating Loans - F&M utilizes an 8-tiered risk rating system to price its operating lines of credit. This variable rate system gives you credit for your financial progress, your past performance and management ability. Qualifying operators can even borrow on their lines of credit via the Internet with F&M's Web Advance system. This puts YOU in control.